A channel scheme finance can reconcile
Points traceable to a settled transaction, with reversal rules decided before launch.
A dealer scheme runs on spreadsheets. Points cannot be traced to an invoice, disputes surface at redemption, and nobody modelled the liability before it was announced.
How we would approach it
Version the earning rules, so a scheme change never rewrites points already earned
Accrue on settlement with a hold period, and reverse automatically on returns
Compute tiers on a defined window with a grace period, communicated in advance
Publish a partner ledger showing the same figures finance sees
Model the cost of a proposed scheme against last year's actual transactions first
What we would measure
Agreed at the start, reported against honestly. If a measure is not worth arguing about now, it is not worth reporting later.
- Liability accrued versus modelled
- Disputes per thousand accruals
- Redemption rate by tier
- Reversal rate and its cause
Capabilities involved
A scheme with no modelled ceiling is an open-ended liability. Model it against real transaction history before it is announced, not after the first quarter.
Have something worth building?
Tell us the constraint you are working against. If we are not the right people for it, we will say so.
Or write to connect@jannex.in